ZIP code 78109

ZIP 78109 is a small city in Bexar County, Texas, with 56,372 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #92 of 1,989 ranked by population — larger than 95% of them. The median age here is 32.5 years against 39.1 nationally, a distinctly younger profile, typical of places with students, military posts or a fast-growing family population. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 78109 earn a median of $87,635 a year, 11.6% above the national figure of $78,538. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 11% of residents here, below the 12.4% national rate.

The typical owner-occupied home in ZIP 78109 is valued at $241,100, 20.5% below the national figure, while median gross rent runs $1,645 a month, 17% above the national figure, or roughly $19,740 across a full year. A household on the local median income would put about 22.5% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 2.8×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 74.9% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 78109 is tabulated inside Bexar County, Texas, one of 70 ZIP areas the Census publishes for that county and 1,989 across Texas. This is a dense urban ZIP, where a single postal boundary can hold more residents than an entire rural county. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 78109 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 78109 reports a median household income of $87,635, 35% above the $65,131 county median, and 29% above the $68,103 typical TX ZIP. Owner-occupied homes are valued at a median of $241,100, 9% above the county figure and 24% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,645 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Texas charges 6.25% statewide, and local governments overlapping 78109 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 78109 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.